In most cases, when someone turns 65 they are automatically enrolled in Medicare Part A and Part B. The exception is if someone is working full time, then they will need to enroll themselves.
If you don't want to keep the Part B coverage, you send back a card that is provided, stating that you want to drop it. If you keep that card, you keep the Part B coverage and pay the Part B premiums.
Medicare Part B is indeed voluntary. But before you refuse it, consider this. If you change your mind at a point in the future you will be required to pay a late enrollment penalty.
For each 12 month delay you pay a 10% penalty.
Outpatient charges can be significant if you do not have Medicare Part B. Most carriers will not issue a Medigap plan if you do not have Part A and B.
When a person becomes eligible to receive Medicare Part B, they will be automatically enrolled in Part B at the same time that they are enrolled in Medicare Part A. However, they can opt out of Part B if they like. There is a form provided in the Medicare packet that can simply be sent back to voluntarily terminate Medicare Part B.
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If you don't want to keep the Part B coverage, you send back a card that is provided, stating that you want to drop it. If you keep that card, you keep the Part B coverage and pay the Part B premiums.
For each 12 month delay you pay a 10% penalty.
Outpatient charges can be significant if you do not have Medicare Part B. Most carriers will not issue a Medigap plan if you do not have Part A and B.